Home Insurance in Allendale County, South Carolina
Homes in Allendale County carry a median value of $76,200 - 71% lower than the South Carolina median.
The typical home in Allendale County was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 12 points above South Carolina's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Allendale County is 68% single-family homes, 5% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
35% of owner-occupied homes in Allendale County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Allendale County are owner-occupied.
73% of homes in Allendale County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), earthquake (Relatively Low) and wildfire (Very Low) as the leading hazards for Allendale County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Allendale County has 5 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $76,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)